Collision Coverage in Pennsylvania - Plymouth Rock Assurance

Accidents happen. With collision coverage added to your auto policy, you do not have to worry about paying for some of them. This type of auto insurance provides financial compensation to you if you collide with something or someone else. Collision coverage in Pennsylvania is an affordable, important investment to make if you own and operate a vehicle.

What Does Collision Coverage in PA Provide?

You back up into a tree and damage your vehicle. You are involved in a car accident with another vehicle that you cause. In these situations, an auto insurance policy without collision coverage in PA would not provide coverage to pay for damage to your vehicle.  A policy with collision coverage does. It helps cover damage to your vehicle when you collide with another object. Those who have a loan on their vehicle or are leasing it may be required to maintain collision coverage under their contract.

It covers:

•Collisions with objects, such as trees, stationary objects, fences, and other objects
•Collisions with other vehicles in which your vehicle suffers damage
•Incidents in which your vehicle rolls over when no one else is involved

Collision insurance coverage in Pennsylvania has limitations. This type of policy does not cover any damage to your car not caused by a collision. It does not cover fire, storm damage, or vandalism. It does not pay for any medical bills for anyone involved in the incident. It also does not cover another person’s property or vehicle.

Who Should Have Collision Coverage?

As noted, accidents and mistakes can happen to anyone. If your car has value, and you wish to protect it, you should have collision insurance in place. Your lender or leasing agent may require it as well. This is not a required form of auto coverage in Pennsylvania, but it is often beneficial to most vehicle owners in the state.

Choosing Your Policy and Limits

When you shop for collision coverage, you do have some options to consider. First, you will need to pay a deductible before your policy will cover the damage caused. Choose a deductible you find affordable. This should be an amount you are comfortable paying upfront if an accident occurs. A $500 or $1000 deductible is typical. If you can afford a higher deductible, you will save on your collision insurance.

There is no set limit of collision coverage, rather it is based on the cost to repair or replace the vehicle.  If the amount to repair the vehicle is near to or exceeds the current value of the vehicle, the vehicle is considered a “total loss” and payment is based on the actual cash value of your vehicle. This means the insurer will pay the amount equal to replace the totaled vehicle with another vehicle of the same year, make, model, and condition just prior to the accident.  However, some drivers may prefer replacement value, which may be offered as an enhanced coverage at a higher premium. This will cover the cost to replace the vehicle with a newer model. 

How to Buy Collision Insurance in Pennsylvania

At Plymouth Rock, we work closely with you to address your needs. Collision coverage is an optional coverage which may be added to an auto policy as part of a full package auto insurance plan. This may include comprehensive coverage, medical payments, underinsured/uninsured motorist coverage, and liability coverage. Combined, these coverages help to provide you with the financial protection most drivers need. Not all drivers need all coverages, though. That is why having a skilled, experienced insurance professional to help you makes a big difference.

We will work with you to compare policies carefully. You can obtain a free, no-obligation quote for auto insurance in Pennsylvania when you contact us. It takes just a few minutes to learn how affordable this type of peace of mind can be to you.

Call 855-993-4470, get your free quote online, or find an agent to learn more about auto insurance coverage and policy options. Visit our contact us page if you need to call us with additional questions.